7528 Bent Tree Loop, FL7528 Bent Tree Loop, FL7528 Bent Tree Loop, FL
Stellar MLS
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$395,900

7528 Bent Tree Loop

St Cloud, FL 34773

Listing updated: August 7, 2026 at 1:36 PM ET

Active
Stellar MLSListing courtesy of Adams Homes Realty, Inc · Eulalio Martinez Rodriguez, Sr · MLS #O6372876 · Active · 850-469-0977
3
Beds
2
Baths
1,780
Sq Ft
0.14
Acres
2026
Built
New construction$222/sqft360° tour
Single Family Residence

Property type

2026

Year built

6,098 sqft

Lot size

$222

Price / sq ft

$75/mo

HOA dues

207

Days on market

2

Garage spaces

X500

Flood zone

About this home

Own this beautiful new construction home for an estimated **$2,500's month** with a **4.99 fixed interest rate** (available with the preferred lender)! Plus, enjoy a **$20,000 price improvement**, **up to $15,000 in Flex Cash**, builder-paid closing costs (excluding prepaids), and only a **$1,000 deposit** to secure your new home. Backing to peaceful conservation with no rear neighbors, this move-in ready 3-bedroom, 2-bathroom home offers 1,780 square feet of thoughtfully designed living space that blends privacy, comfort, and affordability. The open-concept floor plan is perfect for everyday living and entertaining, featuring soaring 10-foot ceilings, abundant natural light, and a stunning bay window that creates the perfect space for dining while overlooking the natural surroundings. The spacious kitchen serves as the heart of the home with a large center island, generous cabinetry, and plenty of counter space, seamlessly connecting to the family room and dining area. A separate flex room offers endless possibilities as a formal dining room, home office, playroom, or hobby space. The private owner's suite is tucked away at the rear of the home, offering beautiful conservation views, vaulted ceilings, a spacious walk-in closet, and an en-suite bath designed for comfort and relaxation. Two additional bedrooms provide plenty of space for family, guests, or remote work. Located in the highly sought-after Harmony Central community, residents enjoy resort-style amenities including a community pool with cabanas, dog park, walking trails, top-rated Harmony schools, **no CDD**, and a low HOA. Conveniently located near Lake Nona, the Florida Turnpike, Orlando International Airport, and Florida's east coast beaches, this location offers the perfect balance of peaceful living and everyday convenience. Up to **$15,000 in Flex Cash** may be used to further reduce your interest rate, cover prepaid closing expenses, or even help offset your first few mortgage payments, depending on the financing program selected. Combined with builder-paid closing costs, this home offers one of the best values in today's market. Backed by a 1-year builder warranty and a 10-year structural warranty, this move-in ready home is the perfect opportunity to own more home for less.

Estimated monthly payment

Principal & interest$2,002
Property taxes$69
Home insurance (est.)$181
HOA dues$75

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history207 days on market

  1. Status: Active
    Jan 12, 2026
  2. Listed$387,900
    Jan 12, 2026
  3. Price increased$395,900

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
207
Subdivision
Harmony Central Ph 2
County
Osceola
Year built
2026
Living area
1,780 sq ft
Price/sq ft
$222
Building area
2,122 sq ft (Builder)
Lot size
6,098 sq ft
Lot category
0 to less than 1/4
Flood zone
X500 (12097C0295G)
Garage
2 spaces
Annual taxes
$831 (2025)
Parcel #
32-26-32-3666-000O-0040
Zoning
X500
MLS #
O6372876

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Interior Details

Bedrooms
3
Full bathrooms
2
Flooring
Carpet, Tile
Appliances
Dishwasher, Microwave, Range
Interior features
Ceiling Fans(s), Stone Counters, Thermostat
Laundry
Laundry Room
Stories / Levels
One
Direction faces
East
New construction
Yes

Heating & Cooling

Heating
Electric
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes

HOA & Financial

HOA fee
$75 / Monthly
Monthly HOA
$75/mo
Total monthly fees
$75/mo
Total annual fees
$900
HOA name
Pedro Gutierrez
CDD
No
Min lease term
7 Months
Listing terms
Cash, Conventional, FHA, USDA Loan, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No
Additional lease restrictions
Call HOA directly
Approval process
Call HOA directly

Exterior & Construction

Exterior features
Sidewalk
Construction materials
Block
Roof
Shingle
Foundation
Slab
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Cable Available, Electricity Connected, Water Connected

Community

Pets allowed
Yes

Schools

ElementaryHarmony Community School (K-5)GreatSchools ↗
MiddleAHarmony MiddleGreatSchools ↗
High SchoolAHarmony HighGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
KitchenFirst
Primary BedroomFirst
Bedroom 2First
Bedroom 3First
Living RoomFirst

Listing Details

Listing date
2026-01-10
On market date
2026-01-12
Original list price
$387,900
Occupant type
Vacant
MLS area
34773 - St Cloud (Harmony)
Listing AOR
Orlando Regional
Status changed
2026-01-12
Tax legal description
HARMONY CENTRAL PH 2 PB 35 PGS 139-144 BLK O LOT 4

Flood risk

Moderate riskFEMA Zone X500Panel 12097C0295G

Moderate-risk area (0.2% annual-chance / “500-year” floodplain). Flood insurance is recommended but usually not required.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From Narcoossee Rd take 192 East for 8 miles towards Melbourne, continue past Harmony High-school and Harmony Main, Harmony Central will be located on your left.

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Based on information submitted to the MLS GRID as of August 7, 2026 at 1:36 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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